Scrubbing the fault of processors or merchant banks? - GoFuckYourself.com

DirtyGold-Doug · 01-25-2005, 11:15 AM

I am wondering if scrubbing is really in the hands of processors or the merchant banks when the transactions are posted

likely each processor has their own blacklists, but after that, randomly declining transactions doesn't make sense

vicki · 01-25-2005, 11:55 AM

both

the gateway processor usually have their own fraud controls in place to top of the banks

Kimmykim · 01-25-2005, 12:06 PM

Processing isn't quite as cut and dry as that, Doug. While alot of processors use a negative database as their decline base, many of them, like CCBill or gateways using ProfileCheck, for instance, also use a scoring system, which is similar to say, a credit loan application. Then you also factor in things like CVV2 to finalize the scrub authorization or decline.

Acquiring AND issuing banks may also have their own reasons for turning down a transaction, based on their own criteria that revolves around the cardholders spending habits or the banks own internal rule system.

BV · 01-25-2005, 12:08 PM

something is fucked up wherever it's being done

01-25-2005, 11:15 AM	#1
DirtyGold-Doug Registered User Join Date: Jan 2005 Location: Polygamy City Central Posts: 62	Scrubbing the fault of processors or merchant banks? I am wondering if scrubbing is really in the hands of processors or the merchant banks when the transactions are posted likely each processor has their own blacklists, but after that, randomly declining transactions doesn't make sense __________________ SIG TOO BIG! Maximum 120x60 button and no more than 3 text lines of DEFAULT SIZE and COLOR. Unless your sig is for a GFY top banner sponsor, you may use a 624x80 instead of a 120x60. Let me repeat... A 120 x 60 button and no more that 3 lines of DEFAULT SIZE AND COLOR text.

01-25-2005, 11:55 AM	#2
vicki Confirmed User Industry Role: Join Date: Feb 2002 Location: Deep in the heart o' Texas Posts: 1,478	both the gateway processor usually have their own fraud controls in place to top of the banks __________________ If at first you do succeed - try to hide your astonishment. HR merchant accounts from 3.45% solid biz since 98 victoriakozub AT gmail.com skype: victoria.kozub \| ICQ: 74296746

01-25-2005, 12:06 PM	#3
Kimmykim bitchslapping zebras!!!!! Industry Role: Join Date: Jun 2001 Location: In a shack by the beach Posts: 16,015	Processing isn't quite as cut and dry as that, Doug. While alot of processors use a negative database as their decline base, many of them, like CCBill or gateways using ProfileCheck, for instance, also use a scoring system, which is similar to say, a credit loan application. Then you also factor in things like CVV2 to finalize the scrub authorization or decline. Acquiring AND issuing banks may also have their own reasons for turning down a transaction, based on their own criteria that revolves around the cardholders spending habits or the banks own internal rule system.

01-25-2005, 12:08 PM	#4
BV wtf Industry Role: Join Date: Sep 2001 Location: Bikini State, FL USA Posts: 10,914	something is fucked up wherever it's being done